It is crucial to keep your personal and business expenses separate if you are an independent contractor. If not, you will have a lot of extra work come tax time.
I put all of this website’s business expenses on the no-annual-fee Blue Business Plus Card from American Express for everyday expenses, and the Chase Ink Preferred for any travel, internet, and phone expenses.
It helps me keep everything separate and earn a lot of rewards for my business spending.
Below are my favorite credit cards that you should consider as an independent contractor.
Best for Daily Business Purchases: The Blue Business® Plus Credit Card from American Express (review)
Best for Utilities: Ink Business Preferred® Credit Card (review)
Best for Simplicity: Ink Business Unlimited® Credit Card (review)
1. The Blue Business® Plus Credit Card from American Express
Best for Earning Rewards on Daily Business Purchases
- 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
- 0.0% Intro APR on purchases for the first 12 months. After that, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
- No Annual Fee (rates & fees)
The Blue Business® Plus Credit Card from American Express (review) is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.
You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.
I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.
2. Capital One Spark Miles for Business
Best for Unlimited Flat Rate Rewards
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- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- 2x Miles On Every Purchase
- Global Entry or TSA PreCheck Credit
- No Foreign Transaction Fees
- $0 Intro Annual Fee for the First Year, $95 Thereafter
- Free employee cards which also earn unlimited 2X miles from their purchases
The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.
The card earns unlimited 5X miles on hotels and rental cars booked through Capital One Travel. It also earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.
The Spark Miles also offers a statement credit for your Global Entry or TSA PreCheck application (up to $100) and no foreign transaction fees.
3. Ink Business Unlimited® Credit Card
Best for Simplicity
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- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The Ink Business Unlimited® Credit Card (review) is a valuable no-annual fee option for entrepreneurs and small business owners looking for simplicity and value.
This card offers a straightforward rewards structure, with 1.5% cash back on all purchases, making it easy for you to keep track of your rewards.
It also pairs well with the Chase Sapphire Preferred® Card (review) or Chase Sapphire Reserve® (review), which unlocks the ability to convert the Ink Business Unlimited cash back to airline or hotel points from any of Chase’s transfer partners.
This combo allows you to effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.
4. The American Express Blue Business Cash™ Card
Best for Earning Cash Back on Daily Business Purchases
- 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
- 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
- No Annual Fee (rates & fees)
The American Express Blue Business Cash™ Card (review) offers simple, straightforward rewards for no annual cost.
This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).
The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses.
5. Ink Business Preferred® Credit Card
Best for Utilities
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- 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
- 25% Additional Points Value in Travel Redemption
- Primary Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Cell Phone Protection
- Purchase Protection and Extended Warranty
- No Foreign Transaction Fees
- $95 Annual Fee
The Ink Business Preferred® Credit Card (review) is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.
With this card, you’ll earn:
- 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
- 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.
Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:
- Primary rental car insurance (when renting for business purposes).
- Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
- Purchase and extended warranty protection.
6. Marriott Bonvoy Business® American Express® Card
Best for Marriott Stays
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- 6X Points at Marriott Hotels & Resorts
- 4X Points at Restaurants Worldwide, at U.S. gas stations, U.S. Phone Service Providers, and on U.S. Shipping Purchases.
- Annual Free Night Award (up to 35,000 Points)
- 15 Elite Night Credits and Gold Elite Status
- No Foreign Transaction Fees
- $125 Annual Fee (Rates and Fees)
The Marriott Bonvoy Business® American Express® Card (review) is a nice choice for business owners who want valuable hotel perks, including an annual free night at hotels costing 35,000 points plus 15 elite night credits to achieve higher status faster.
The Marriott Bonvoy Business card earns 6x points at participating hotels and 4x points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
You also receive automatic Marriott Gold Elite status, which offers a 25% points bonus, welcome amenity, space-available room upgrade, and priority late check-out.
7. United℠ Business Card
Best for United Club Access
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- 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
- 2 United Club One-Time Passes Per Year
- $100 United Travel Credit
- Free First Checked Bag and Priority Boarding
- Primary Rental Car Insurance
- Trip Delay and Trip Cancellation/Interruption Insurance
The United℠ Business Card offers nice perks on United Airlines, including:
- Two United Club lounge passes annually;
- Priority boarding for you and your companions;
- Free first checked bag for you and one companion on the same reservation;
- 25% back on in-flight purchases in the form of statement credits;
- $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
- Anniversary bonus of 5,000 miles;
- Premier upgrades on award tickets;
- Expanded award availability; and
- Ability to earn Premier Qualifying Points for United elite status with spending.
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.
